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Kurniawan is an employee who is married and has two children. He works at PT Mas Murni and receives a monthly salary of Rp. 8,000,000. PT Mas Murni is a participant in the BPJS Ketenagakerjaan program and pays monthly insurance premiums for work accident insurance (JKK) and Death Insurance (JKM) 0.2% and 0.3% of its monthly salary, respectively. The old age insurance (JHT) which is the responsibility of PT Mas Murni is 3.7% of the monthly salary. Kurniawan pays a monthly fee to a pension fund in the amount of Rp45,000.
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